2. Codesarrollo
Please note that the information you are viewing is 175 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. UCU
Please note that the information you are viewing is 148 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Codesarrollo Ladron de Guevara E13-408 Y BarcelonaQuito, Pichincha
Data approved: 2010-11-11
Data version: 1
Age of data: 175 months

Institution

UNION OF SAVINGS AND CREDIT COOPERATIVES (UCU) KIGALINYARUGENGENYAMIRAMBO, RWANDA2998 KIGALI
Data approved: 2011-10-26
Data version: 1
Age of data: -   months 
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Product Summary

Number borrowers1,812
Loan Amount (range)USD 200 - 15,000
Loan Term (range)5 - 38
Other Services (text summary)Credit Ins, Seguro de Desgravamen
Annual Interest & Method14.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component14.0% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)14.0%
Transparency Index (min/max)0 - N/A
Transparency Index (average)100

Product Summary

52
RWF 2,000,000 - 5,000,000
12 - 24
24.00% annual, Decl Bal
N/A
 
N/A
23.9% - 24.1% (Int+Fee)
0 - 43.7%
-43.7% - 2.6%
25.9% - 27.3%
0 - N/A

Product Details

Key Statistics
Outstanding portfolio (USD)USD 4,813,813
Portfolio (USD)USD 4,813,813
Active Clients with Loans1,812
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Es de libre disponibilidad, orientado a satisfacer necesidades inmediatas de los clientes
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherSeguro de Desgravamen
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 28,836
Portfolio (USD)USD 49
Active Clients with Loans52
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
After the client completes a savings plan of 6 to 12 months they are eligible for this loan product.\r
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term5.0 months
Longest loan term38.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 2,000,000
Maximum loan size5,000,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest14.00%
Highest quoted nominal interest14.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit life, varies with age, loan amount, loan term
% of loan amount - min1.00%
% of loan amount - max10.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Crediparticular samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 500USD 1,000USD 2,000USD 4,200USD 8,500USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-232010-05-272010-05-172010-07-302010-06-212010-05-12
Loan Term (Months)10.0 months12.0 months12.0 months30.0 months36.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component14.0%14.0%14.0%14.0%14.0%14.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)14.0%14.0%14.0%14.0%14.0%14.0%
Transparency Index100100100100100100
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

After purpose saving loan samples
Sample 1Sample 2Sample 3
Loan AmountRWF 2,000,000RWF 3,000,000RWF 4,000,000
Loan Cycle (1, 2, 3, etc)
Disbursement Date
Loan Term (Months)18.0 months24.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component24.0%24.1%23.9%
Insurance Component3.1%1.6%2.1%
Tax Component0.3%0.2%0.2%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)27.3%25.9%26.2%
Transparency Index889392
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Crediparticular Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeAnyLoan PurposeCodesarrolloInstitutionEC-010-V01-P05ProductECCountry2010YearRange Number1Institution Data Version02,0004,0006,0008,00010,00012,000Loan Size (all)0%5%10%15%Full APR (int fee ins tax dep)> 30010020Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
After purpose saving loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeAnyLoan PurposeUCUInstitutionRW-011-V01-P01ProductRWCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 1071Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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By Country

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